Financial Planning

Westlawn Financial Planners can offer you a friendly locally based service tailored to all your financial planning needs. Our financial advisers are specially qualified in all aspects of financial planning.

 

Disclaimer

This is general information only without taking into account your particular objectives, financial situation or needs. It should not be used or relied upon for specific financial advice. No warranty is given in respect to the information provided or actions taken as a result of you acting upon such information. Please make an appointment with one of our advisers to review your personal financial situation.

Life Insurance

With life insurance, you’re really insuring your family’s lifestyle. Life insurance pays out upon death. You won’t be around to enjoy any benefits. But your family will. And that’s why it’s important to have some cover. As the major breadwinner, who would look after the rest of your family in the event of your untimely death?

For professional advice on the correct amount of life insurance please phone one of our qualified advisers.

Income Protection Insurance

While life cover will maintain your family’s lifestyle in the event of your untimely death, what happens if you can’t work because of illness or an accident?

This is when you need the regular income provided by income protection insurance, otherwise known as disability insurance. It’s estimated that you will earn something like $4 million over your working life, so it’s important to protect your income. It is a fact of life that at the age of 35 you are 10 times more likely to be disabled then die.

Trauma Insurance

If you’re diagnosed with a critical illness or crisis, trauma insurance can relieve you of financial difficulties. Unlike income protection insurance, which is dependent on your inability to work, trauma cover is paid out on the diagnosis of a defined critical illness regardless of your working status.

Instead of receiving a monthly income stream, you are paid a lump sum that you can spend on whatever you like - medical bills, your mortgage, changes to your home to accommodate your disability even care for your children or some home help. The insurance company makes no demands on how you spend the money. Trauma insurance is often an adjunct to term life policies.

Total & Permanent Disability Insurance (TPD)

Similar to Trauma Cover, if you’re deemed to be Totally & Permanently Disabled, TPD insurance can relieve you of financial difficulties. Instead of receiving a monthly income stream, you are paid a lump sum that you can spend on whatever you like - medical bills, your mortgage, changes to your home to accommodate your disability even care for your children or some home help. The insurance company makes no demands on how you spend the money. TPD insurance is often also an adjunct to term life policies.

Professional Investment Services Pty Ltd ("PIS") is the holder of Australian Financial Services Licence No. 234951 under which PIS is authorised to carry on a financial services business which includes the provision of financial product advice and dealing in financial products.

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PIS Head Office Address

Level 14

Corporate Centre

Cnr Bundall Rd & Slatyer Ave

Bundall QLD 4217

Phone: 07 5574 0244
Fax: 07 5574 0180

AFSL No. 234951  l  ABN 11 074 608 558